Who Has Affordable Car Insurance Quotes for a Mazda CX-7 in Honolulu?

Buying competitive car insurance for a Mazda CX-7 doesn’t take too much effort, but it depends on a complex formula that considers things such as annual miles driven, if you are a frequent claim filer, and driving citations. Drivers in Hawaii pay approximately $711 each year to insure their CX-7, but that amount is an approximation based upon a 50-year-old married female driver with full coverage and $250 deductibles.

The problem with using this number is the good chance you’re not a 50-year-old female, maybe you are single instead of married, or maybe you need higher liability limits than the state minimum. Having what appears to be a very minor change in rating criteria or coverage limits could result in a significant change in the amount insurance costs for a Mazda CX-7.

Every driver’s needs are different, and that is why the only way to find the most affordable coverage for your Mazda is to just compare rates yourself.

Compare Mazda CX-7 Insurance Rates

The specific model of CX-7 will most likely have an effect on the annual cost of coverage, so the price you will be charged to insure a CX-7 SV 2WD will be $92 less expensive the price to insure the fancier CX-7 Grand Touring 4WD model, as shown below.

Mazda CX-7 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $158 $286 $248 $14 $74 $780 $65
CX-7 Sport 2WD $178 $286 $248 $14 $74 $800 $67
CX-7 Touring 2WD $178 $286 $248 $14 $74 $800 $67
CX-7 Touring 4WD $178 $338 $248 $14 $74 $852 $71
CX-7 Grand Touring 2WD $198 $338 $248 $14 $74 $872 $73
CX-7 Grand Touring 4WD $198 $338 $248 $14 $74 $872 $73
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in specific zip code location which can increase or decrease rates noticeably.

Figuring out which company offers the cheapest auto insurance rates for a Mazda CX-7 will take a tad more effort in order to find the best policy.

Every insurance provider uses their own method for determining rates in each state, so let’s rank the most affordable auto insurance companies in Honolulu, HI.

Find the Cheapest Car Insurance for Your CX-7

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Cheapest insurance companies in Hawaii
Rank Company Cost Per Year
1 USAA $926
2 State Farm $1,087
3 GEICO $1,389
4 Liberty Mutual $1,449
5 Progressive $1,624
6 Allstate $1,984
7 First of Hawaii $2,006
8 AIG $2,445
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USAA quotes some of the most affordable car insurance rates in Honolulu at around $926 each year. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the best Honolulu, HI auto insurance companies.

As the example above demonstrates, if you currently have a policy with State Farm and switched to USAA, you could earn an annual premium reduction of in the neighborhood of $161. Policyholders with GEICO may save as much as $463 a year, and Liberty Mutual policyholders might lower prices by up to $523 a year.

If you want to see how much you could save, click here to start a quote or feel free to get quotes from the companies below.

Remember that these policy prices are averages for all drivers and vehicles in Hawaii and are not factoring in a specific zip code for a Mazda CX-7. So the insurer that has the lowest price for you may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own driver information and specific vehicle type.

Liability-only versus full coverage

Finding the cheapest auto insurance is probably important to most vehicle owners, and one of the fastest ways to pay lower rates for insurance for a Mazda CX-7 is to not buy full coverage. The information below visualizes the comparison of yearly insurance costs with and without full coverage. The price estimates are based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are applied.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $1,321 per year over having just liability coverage. That may make you wonder if buying full coverage is a good investment. There is no definitive guideline of when to exclude physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after the deductible is paid. If it’s costing you more than $400 a year for physical damage coverage, then you may want to consider only buying liability coverage.

Rate increases following a ticket or accident

A great way to earn the cheapest auto insurance rates in Honolulu for a CX-7 is to drive attentively and not get tickets or have accidents. The chart below highlights how speeding tickets and accident claims can affect insurance rates for each age group. The premiums are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of an auto insurance policy in Honolulu per year with a clean driving record and no accidents is $1,432. Factor in two speeding tickets and the average cost swells to $1,889, an increase of $457 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Mazda CX-7 jumps again to an average of $2,348. That’s an increase of $916, or $76 per month, just for not being a responsible driver!

The diagram below illustrates how your deductible choice can raise or lower insurance premiums when quoting cheap insurance for a Mazda CX-7. The data assumes a single male driver, full physical damage coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could lower rates by $304 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $458 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could lower their rates as much as $880 annually by choosing a larger deductible amount. When using a larger deductible, it will be required to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.